The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,363
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,716
−HK$359/mo
Today · 4.125%
HK$12,075
baseline
▲ 0.50% · 4.625%
HK$12,810
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,150/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,641
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,980
−HK$344/mo
Today · 4.125%
HK$13,324
baseline
▲ 0.50% · 4.625%
HK$14,026
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,648/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,635
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,059
−HK$431/mo
Today · 4.125%
HK$14,490
baseline
▲ 0.50% · 4.625%
HK$15,372
+HK$882/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,980/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,169
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,576
−HK$412/mo
Today · 4.125%
HK$15,988
baseline
▲ 0.50% · 4.625%
HK$16,831
+HK$843/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,976/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,908
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,402
−HK$503/mo
Today · 4.125%
HK$16,905
baseline
▲ 0.50% · 4.625%
HK$17,934
+HK$1,029/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$33,810/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,697
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,172
−HK$481/mo
Today · 4.125%
HK$18,653
baseline
▲ 0.50% · 4.625%
HK$19,636
+HK$983/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$37,306/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,453
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,089
−HK$646/mo
Today · 4.125%
HK$21,735
baseline
▲ 0.50% · 4.625%
HK$23,058
+HK$1,323/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,470/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,753
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,364
−HK$619/mo
Today · 4.125%
HK$23,983
baseline
▲ 0.50% · 4.625%
HK$25,247
+HK$1,264/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,966/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,119 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).